            &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}&\multicolumn{1}{c}{(4)}\\\cmidrule(lr){2-2}\cmidrule(lr){3-3}\cmidrule(lr){4-4}\cmidrule(lr){5-5}
Has RRSP  &        0.20\sym{***}&        0.18\sym{***}&        0.17\sym{***}&        0.13\sym{***}\\
            &     (0.019)         &     (0.019)         &     (0.019)         &     (0.018)         \\
Has TFSA  &        0.12\sym{***}&        0.11\sym{***}&        0.10\sym{***}&        0.10\sym{***}\\
            &     (0.017)         &     (0.017)         &     (0.017)         &     (0.016)         \\
Age         &       0.015         &       0.013         &      0.0083         &     -0.0054         \\
            &     (0.022)         &     (0.022)         &     (0.022)         &     (0.021)         \\
Age\(^2\) &    -0.00015         &    -0.00013         &   -0.000069         &    0.000068         \\
            &   (0.00025)         &   (0.00025)         &   (0.00024)         &   (0.00023)         \\
\parbox{5.5cm}{\textbf{Marital Status} \\[2.5pt] (Married ommitted)}&                     &                     &                     &                     \\
Widow, separated or divorce&                     &       0.010         &       0.014         &       0.017         \\
            &                     &     (0.025)         &     (0.025)         &     (0.023)         \\
Never married&                     &       0.028         &       0.029         &       0.031\sym{*}  \\
            &                     &     (0.019)         &     (0.019)         &     (0.017)         \\
Annual income (100,000's)&                     &       0.065\sym{***}&       0.051\sym{***}&       0.030\sym{*}  \\
            &                     &     (0.016)         &     (0.017)         &     (0.016)         \\
\parbox{5.5cm}{\textbf{Education} \\[2.5pt] (High School or less omitted)}&                     &                     &                     &                     \\
Some university&                     &                     &       0.076\sym{***}&       0.037         \\
            &                     &                     &     (0.025)         &     (0.024)         \\
Bachelor degree or more&                     &                     &        0.11\sym{***}&       0.055\sym{**} \\
            &                     &                     &     (0.026)         &     (0.025)         \\
\parbox{5.5cm}{\textbf{Financial Literacy} \\[2.5pt] (0 Right answer ommitted)}&                     &                     &                     &                     \\
1 correct answer&                     &                     &                     &        0.11\sym{***}\\
            &                     &                     &                     &     (0.039)         \\
2 correct answers&                     &                     &                     &        0.20\sym{***}\\
            &                     &                     &                     &     (0.035)         \\
3 correct answers&                     &                     &                     &        0.33\sym{***}\\
            &                     &                     &                     &     (0.034)         \\
\\ \(R^{2}\)&       0.196         &       0.208         &       0.222         &       0.328         \\
{Observations}&       1,043         &       1,043         &       1,043         &       1,043         \\
